First National Bank of America in Montana vs the state
33.3%Denial rate+18.51 pts vs state
50.0%Decision denial rate+31.30 pts vs state
33.3%Origination rate-28.65 pts vs state
9.50%Median rate+2.88 pts vs state
3.38Rate spread (pts)+3.14 pts vs state
$195kMedian applicant income
2Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 4 | 42.9% | 9.25% | #193 |
| 2025 | 6 | 2 | 33.3% | 9.50% | #223 |
What First National Bank of America lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 2 | 1 | 1 | 50.0% |
| Flathead County | 1 | 1 | 0 | 0.0% |
| Cascade County | 1 | 0 | 0 | 0.0% |
| Stillwater County | 1 | 0 | 1 | 100.0% |
| Gallatin County | 1 | 0 | 0 | 0.0% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 6 applications in 2025, of which 2 were originated and 2 denied.
33.3% of all applications, or 50.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans First National Bank of America originated in Montana in 2025 was 9.50%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology